Ridgway, Colorado mortgage broker.

The Ridgway mortgage market

Ridgway combines small-town charm with proximity to Telluride and Ouray — popular for primary residences and second homes.

Buyers often pair Ridgway primary residences with DSCR-financed STRs nearby.

Top loan programs in Ridgway

• Conventional — commonly used by Ridgway buyers in this market.
• Jumbo — commonly used by Ridgway buyers in this market.
• Second Home — commonly used by Ridgway buyers in this market.

How to qualify for a mortgage in Ridgway

Qualifying for a mortgage in Ridgway follows the same core process as anywhere in Colorado: lenders review your credit score, debt-to-income ratio, down payment, and income documentation. The right loan program depends on the property type, your goals, and how the home will be used.

• Primary residences: conventional, FHA, VA, or USDA depending on credit and down payment.
• Second homes: typically conventional or jumbo with 10–20% down.
• Investment properties: conventional investor loans (20–25% down) or DSCR loans based on rental income.

Get pre-approved for a Ridgway mortgage

Tayton Capital is an independent mortgage broker licensed in Colorado and Florida, helping buyers across the Colorado mountains — including Ridgway — find the right loan program at a competitive rate. As a broker we shop conventional, FHA, VA, USDA, jumbo, and DSCR lenders to match each borrower with the best fit.